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Compare J&K Bank with Development Credit Bank - Equitymaster
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J&K BANK vs DCB BANK - Comparison Results

J&K BANK    Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

DCB BANK 
   Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    J&K BANK DCB BANK J&K BANK/
DCB BANK
 
P/E (TTM) x 4.3 21.2 20.3% View Chart
P/BV x 0.6 2.1 26.4% View Chart
Dividend Yield % 3.0 0.3 990.7%  

Financials

 J&K BANK   DCB BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
DCB BANK
Mar-17
J&K BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs119172 69.0%   
Low Rs9578 121.6%   
Income per share (Unadj.) Rs1,456.572.8 2,001.9%  
Earnings per share (Unadj.) Rs104.97.0 1,498.9%  
Cash flow per share (Unadj.) Rs251.828.9 872.4%  
Dividends per share (Unadj.) Rs2.100.50 420.0%  
Avg Dividend yield %2.00.4 491.5%  
Book value per share (Unadj.) Rs1,260.077.3 1,630.7%  
Shares outstanding (eoy) m48.48285.36 17.0%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.11.7 4.3%   
Avg P/E ratio x1.017.9 5.7%  
Avg P/CF ratio x0.311.5 3.0%  
Avg Price/Bookvalue ratio x0.11.6 5.2%  
Dividend payout %2.07.1 28.0%   
Avg Mkt Cap Rs m5,18535,713 14.5%   
No. of employees `0001.0NA-   
Total wages & salary Rs m8,9763,080 291.4%   
Avg. income/employee Rs Th73,553.4NM-  
Avg. wages/employee Rs Th9,349.6NM-  
Avg. net profit/employee Rs Th5,296.7N.A.-  
INCOME DATA
Interest income Rs m70,61120,762 340.1%  
Other income Rs m5,9902,495 240.1%   
Interest expense Rs m44,08612,791 344.7%   
Net interest income Rs m26,5267,971 332.8%  
Operating expense Rs m14,1596,283 225.3%   
Gross profit Rs m12,3661,688 732.8%  
Gross profit margin %17.58.1 215.5%  
Provisions/contingencies Rs m10,1551,115 910.8%   
Profit before tax Rs m8,2023,067 267.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,070 291.2%   
Profit after tax Rs m5,0851,997 254.6%  
Net profit margin %7.29.6 74.9%  
BALANCE SHEET DATA
Advances Rs m445,858158,176 281.9%   
Deposits Rs m657,362192,892 340.8%  
Credit/Deposit ratio x67.882.0 82.7%  
Yield on advances %11.610.4 111.1%   
Cost of deposits %6.46.1 104.7%   
Net Interest Margin %3.63.5 103.5%  
Net fixed assets Rs m6,8964,886 141.1%   
Share capital Rs m4852,854 17.0%   
Free reserves Rs m39,49913,116 301.2%   
Net worth Rs m61,08522,049 277.0%   
Borrowings Rs m23,39612,758 183.4%   
Investments Rs m251,04358,179 431.5%   
Total assets Rs m760,645240,464 316.3%  
Debt/equity ratio x11.19.3 119.5%   
Return on assets %0.70.8 80.5%  
Return on equity %8.39.1 91.9%  
Capital adequacy ratio %12.613.8 91.4%  
Net NPAs %2.80.8 350.6%  
CASH FLOW
From Operations Rs m1,1812,398 49.2%  
From Investments Rs m-2,609-711 367.0%  
From Financial Activity Rs m-3,3761,322 -255.3%  
Net Cashflow Rs m-4,8053,009 -159.7%  

Share Holding

Indian Promoters % 53.2 0.9 5,911.1%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 4.3 23.2 18.5%  
FIIs % 29.3 15.0 195.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 45.5 29.2%  
Shareholders   56,111 184,073 30.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   BANK OF MAHARASHTRA  UNION BANK  AXIS BANK  KARUR VYSYA BANK  ANDHRA BANK  

Compare J&K BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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